Ungayithatha kanjani imali evikelwe yi-PTS yezimoto, i-real estate (amafulethi) nenye impahla: imiyalelo eningiliziwe + ukubuyekezwa kwezinkampani ezikweletwayo ze-TOP-5

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Sawubona, bafundi abathandekayo be-Ideas for Life! Kulesi sihloko, sizokutshela ukuthi ungayithatha kanjani imali ekuvikelekeni kwemoto, ifulethi kanye nezinye izindlu ze-PTS, kanye nokunikeza ukubuka konke kwezinkampani ezibolekisa ngemibandela evumayo.

Ngendlela, ubonile ukuthi idola selivele libiza malini? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Ezimweni lapho imali idingeka ngokuphuthumayo, abaningi bayavuma ukuyiboleka cishe nganoma iyiphi indlela. Ukusesha kwenziwa lula uma kukhona impahla engathembiswa. Kubalulekile ukwazi wonke ama-nuances wedizayini, ngakho-ke, sinikele ngokushicilelwa kwanamuhla kulesi sihloko.

Futhi esihlokweni ozosithola imiyalo yesinyathelo ngesinyathelo ukuthola imali evikelwe yi-real estate (indlu) nemoto (PTS)... Ekugcineni, ngokwesiko siphendula imibuzo ethandwa kakhulu.

Ngakho asihambe!

Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:

Isikhundla	Qhathanisa	Isikhathi sokuthatha	Inani eliphakeme	Inani eliphansi	Ubudala ukulinganiselwa	Izinsuku ezingenzeka
1	Isitoko	3 imiz.	Hlikihla ama-30,000 Hlola!	Hlikihla i-100	18-65	Izinsuku eziyi-7-21
2	Isitoko	3 imiz.	Hlikihla ama-70,000 Hlola!	Hlikihla i-2,000	21-70	Izinsuku eziyi-10-168
3		1 iminithi.	Hlikihla ama-80,000 Hlola!	Hlikihla i-1,500	18-75	Izinsuku 5-126.
4	Isitoko	4 imizuzu	Hlikihla ama-30,000 Hlola!	Hlikihla i-2,000	18-75	Izinsuku 7-30
5	Isitoko	-	Hlikihla ama-70,000 Hlola!	Hlikihla i-4,000	18-65	Izinsuku ezingama-24-140.
6		5 imizuzu.	Hlikihla i-15,000 Hlola!	Hlikihla i-2,000	20-65	Izinsuku 5-30

Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.

Ngale ndlela, izinkampani ezilandelayo zinikela ngezimo ezinhle kakhulu zemalimboleko:

Isikhundla	Isikhathi sokuthatha	Inani eliphakeme	Inani eliphansi	Ubudala ukulinganiselwa	Izinsuku ezingenzeka
1	3 imiz.	Hlikihla ama-30,000 Hlola!	Hlikihla i-100	18-65	Izinsuku eziyi-7-21
2	3 imiz.	Hlikihla ama-70,000 Hlola!	Hlikihla i-2,000	21-70	Izinsuku eziyi-10-168
3	1 iminithi.	Hlikihla ama-80,000 Hlola!	Hlikihla i-1,500	18-75	Izinsuku 5-126.
4	4 imizuzu	Hlikihla ama-30,000 Hlola!	Hlikihla i-2,000	18-75	Izinsuku 7-30
5	5 imizuzu.	Hlikihla i-15,000 Hlola!	Hlikihla i-2,000	20-65	Izinsuku 5-30

Manje ake sibuyele esihlokweni sendatshana yethu bese siqhubeka.

Ungayithatha kanjani futhi kuphi imali evikelwe yimpahla (Isihloko semoto, indawo yokuhlala noma enye ingcebo) - funda kulo magazini

1. Izici zokuthola imali evikelwe yimpahla 📄

Ukuthola imali ngebheyili ukubhaliswa kwemali mboleko edluliselwe kumbolekisi njengokuvikeleka kwanoma iyiphi impahla.

Muva nje, le nketho yokuthola imali ebolekiwe isithandwa kakhulu. Lokhu kuchaziwe 2ngezimo:

↓ ukunciphisa izinga lobungozi kumbolekisi - uma obolekayo enqaba ukufeza izibopho zakhe, isibambiso singathengiswa ukuze kukhokhwe isikweletu;
Ukwandisa amathuba okuthatha isinqumo esihle - kungenzeka ukuthi uthole imali ngisho nomlando wesikweletu owonakele futhi ngaphandle kokuqinisekiswa kwe-solvency.

1.1. Uyithola kanjani imali ngebheyili - uhlelo olujwayelekile

Ukuthola imali ngebheyili kuhlala kwenziwa ngohlelo olufanayo. Ngokwesiko, kufaka phakathi izigaba ezilandelayo:

ukulungiswa kwephakeji lemibhalo nokufaka isicelo;
ukuhlaziywa kwesilinganiso somboleki wesikhathi esizayo, kanye nezinga le-solvency yakhe;
ukuhlaziywa kwesihloko sesibambiso, kanye nenani laso ngomhlaziyi wochwepheshe;
ukubhaliswa komshwalense;
ukusayina inkontileka neminye imibhalo, ukuthola imali.

Ukuthatha umshwalense, kufanele kukhunjulwe engqondweni ini ababolekisi abaningi banezivumelwano nama-appraisers nezinkampani zomshuwalense.
Esimweni esinjalo, umboleki akanalo ikhono lokuzimela ngokuzimele abalingani. Ngakho-ke, akwenzeki njalo ukuthembela kumklamo ozuzisayo wokuhlola nomshuwalense.

Ungakhohlwa ukuthi ngeke kwenzeke ukuboleka inani eligcwele lesibambiso. Imvamisa, ababolekisi baboleka cishe ama-20% ngaphansi kwesilinganiso. Lokhu kubenza bakwazi ukusimamisa ubungozi besikweletu.

1.2. Yiziphi izidingo okufanele impahla ihlangabezane nazo ukuze ikhiphe imali kwezokuphepha kwayo?

Ukuze impahla inikezwe imali ivikelekile, kufanele ihlangabezane nalezi zidingo ezilandelayo:

angabi ngaphansi kwezijeziso;
ukungabambi iqhaza ezinkantolo nasezinkantolo;
ngeyomboleki wesikhathi esizayo ngesisekelo sobunikazi kuphela.

Ngaphezu kwalokho, ababolekisi bakhipha imalimboleko kuphela ngokuphepha kwempahla enamanzi amaningi.

Imvamisa, bamukela njengesibambiso:

impahla;
ukuphepha nokufakwa kwemali;
izimoto;
izinsimbi eziyigugu;
kwezinye izimo, imisebenzi yobuciko, ubucwebe.

Izidingo ezibucayi zingalethwa eqenjini ngalinye elinamagama. Lokhu kwenziwa ngenhloso yokuqinisekisa isikweletu... Kuqondwa njengamathuba aphezulu okuthengiswa okusheshayo kwempahla. Kombolekisi, lokhu kusho ukunciphisa izingozi eziyi-↓, ngoba uma obolekayo enqaba ukufeza izibopho zakhe, kuzoba lula ukukhokha isikweletu njengesibambiso.

1.3. Izinzuzo nezinkinga zokuthola imali yebheyili

Njenganoma ikuphi ukuthengiselana kwezezimali, ukuthola imali yebheyili kunezinzuzo nezinkinga ezithile.

Phakathi kwama-pluses (+) kukhona okulandelayo:

amathuba aphezulu esinqumo esihle;
isilinganiso esiphansi kakhulu;
inombolo encane yemibhalo edingekayo.

Yize kunezinzuzo ezinkulu, ukuthola imali yebheyili nakho kunezinkinga eziningi.

Okubi (-) kokuthola imali ngebheyili kufaka:

ukuphoqelelwa kokucwila esihlokweni sesibambiso;
isikhathi senqubo yokubhalisa;
izindleko ezengeziwe zokuhlola kanye nomshuwalense.

Lapho uboleka imali ngebheyili, khumbula lokho kuze kube yilapho sekukhokhwe ngokugcwele isikweletu, umboleki ngeke akwazi ukulahla impahla yakhe ngokuthanda kwakhe. Ngeke kuthengiswe noma kuphiwe.

Uma kwenzeka wenqaba ukufeza izibopho zokubuyisa izimali ezitholwe ezikweletini, okweletwayo uzodlula ngendaba yesibambiso. Ngenxa yalokho, impahla izothengiswa, bese kuthi isikweletu sikhokhelwe ngemali etholakele.

1.4. Izinhlobo zemalimboleko ekhishwe ukuthola imali evikelekile

Ukwabiwa kwezinhlobo ezahlukahlukene zemalimboleko kungenxa yohlobo lwempahla ethembiswayo. Ababolekisi balwela ukufinyelela kububanzi obuhlukahlukene bababoleki ngangokunokwenzeka. Ngakho-ke, cishe noma iyiphi impahla engamanzi yamukelwa njengezibambiso.

1) Lapho itholwa

Imvamisa irisidi ebizwa ngendaba yesibambiso. Ingadwetshwa ngendlela elula ebhaliwe, noma ingabhalwa phansi. Le nketho ihlukaniswa ngokuba khona kwesiqinisekiso sokubuyiselwa kwemali edluliselwe esikweletini.

Kodwa-ke, akukho mali ephezulu. Imvamisa inqubo yokubuyisa imali enesibambiso esinjalo yinde impela.

2) Kuvikelwe yizindawo ezithengiswayo

Imalimboleko evikelwe ngokuthengiswa kwezindawo ngokwesakhiwo ibizwa ngokwesiko imali ebanjiswayo... Isici sabo esihlukanisayo yi-lower engezansi isilinganiso senzalo... Kodwa-ke, kuleli cala, kunezidingo ezibucayi ezibekiwe esihlokweni sesibambiso (ikakhulukazi ekuthengisweni kwaso).

3) Iziza zomhlaba ezivikelekile

Le nketho yokuthola imali ngebheyili ayijwayelekile. Lokhu kungenxa ye-↓ ephansi kakhulu izinga lezimali.

Ubunzima ngokuthengiswa kweziza zomhlaba ezethembisiwe kuchaza ubukhulu obukhawulelwe bemalimboleko, kanye nesikhathi sokukhokha. Ngaphezu kwalokho, isilinganiso lapho uthola imali evikelwe ngeziza zomhlaba, imvamisa iba phezulu ↑.

4) Kokuphepha kwe-PTS (ipasipoti yemoto)

Kunezinketho ezi-2 zokuthola imali evikelwe yi-PTS:

Imalimboleko yemoto Ingabe imalimboleko eqondisiwe. Imali etholakalayo ingasetshenziswa kuphela ekuthengeni imoto. Sesibhalile mayelana nokuthi ungayithola kanjani imali ebolekiwe yemoto nokuthi kunenzuzo enkulu ukuyithola kwenye yama-athikili ethu - sikucebisa ukuthi uyifunde;
Ukuthola imali ngokuphepha kwemoto ephethwe. Izinsizakalo ezinjalo zivame ukuhlinzekwa izinkampani ezikhethekile - izitolo zemoto.

Ukuthola imali ngebheyili kukuvumela ukuthi uthole imali mboleko ngokushesha futhi ngaphandle kobunzima obukhulu. Kodwa-ke, ngenqubo ephumelelayo, kufanelekile ukutadisha ngokucophelela wonke ama-nuances ayo.

Ukuboleka imali kuvikelwe yi-PTS

2. Imali evikelwe yi-PTS yemoto - kunenzuzo ukuyithatha nokuthi ungayenza kanjani kahle 💰

Indlela yokuthola imali ngesibambiso kufanele ngaso sonke isikhathi ikhethwe ngokuya ngenhloso yokubolekisa.

Kokuphepha kwe-PTS, izimali eziningi zitholwa ezimweni ezi-2:

ukuthenga imoto;
uma kunesidingo, qinisekisa izinga le-solvency.

Ama-nuances wokukhipha imali evikelwe yimibhalo yezimoto axoxwa ngemininingwane engezansi.

2.1. Kunini lapho kunenzuzo ukuboleka imali evikelwe yizimoto ze-PTS

Lapho uthatha isinqumo sokuboleka imali evikelwe yi-PTS, kubalulekile ukuhlaziya ngokucophelela isimo sezezimali. Lokhu kuzokusiza uqonde ukuthi kufanelekile kanjani ukusebenzisa lolu hlobo lwemalimboleko.

Ukuthatha imali ngokuphepha kwemoto i-PTS kuyasiza ezimweni ezilandelayo:

lapho izimali zidingeka ngokuphuthumayo, futhi ayikho indlela yokuqoqa imibhalo eyengeziwe;
ayikho indlela yokuthengisa imoto, ngoba kuyadingeka emsebenzini nasekuhlinzekeni ezinye izinqubo ezibalulekile;
uma ungeke ukwazi ukuqinisekisa ubunyoninco bakho.

Ukuthola imali ngokuphepha kwemoto i-PTS kukuvumela ukuthi uxazulule izinkinga zezezimali, futhi imoto isala nawe.

2.2. Ungayithatha kanjani imali ekuvikelekeni kwemoto i-PTS - imiyalo yesinyathelo ngesinyathelo

Abantu abaningi bayaqonda ukuthi bangaboleka kanjani imali besebenzisa imalimboleko yendabuko. Kodwa-ke, hhayi wonke umuntu uyazi ukuthi yiziphi izici ezihlukanisa ukwamukelwa kwemali ekuvikelekeni kwe-PTS. Okwamanje, isivinini sokukhishwa kwezimali ikakhulu sincike ekucaceni kokuhambisana kohlelo.

Ukugwema amaphutha athandwayo futhi uthole imali ngokushesha okwanele, kufanele ufunde ngokucophelela okulandelayo imiyalo yesinyathelo ngesinyathelo.

Isinyathelo 1. Ukukhetha umbolekisi

Inqubo yokukhetha inkampani ezoboleka kuyo imali evikelwe yi-PTS ayihlukile ekutholeni umbolekisi kunoma yisiphi esinye isimo.

Kubalulekile ukwenza okulandelayo:

qhathanisa izilinganiso zezinkampani ezahlukene;
funda ukubuyekezwa kwamakhasimende;
hlaziya izinhlelo ezihlongozwayo zemalimboleko;
qhathanisa imigomo namanani abo.

Isinyathelo 2. Ukulethwa kwesicelo nokulungiswa kwephakeji lemibhalo

Ababolekisi abathembeke kakhulu balwela ukuhambisana nezikhathi futhi banikeze amaklayenti abo izinketho ezahlukahlukene zokufaka izicelo.

Ungafaka isicelo ngenye yalezi zindlela ezilandelayo:

online kuwebhusayithi;
ngokushayela isikhungo sezingcingo;
ngokuvakashela ihhovisi lenkampani.

Lapho ugcwalisa uhlu lwemibuzo, kubalulekile ukuthi uqaphele ngokusemandleni akho. Noma ikuphi ukungalungi, amaphutha kanye nokushicilelwa kabi kungaholela ekwenqabeni kombolekisi ukukhipha imali evikelwe yi-TCP.

Lapho isicelo sithunyelwa, kufanele ulinde isinqumo sokuqala... Uma ukutholakala kutholakala kulesi sigaba, kuyadingeka ukulungiselela iphakethe lamadokhumenti... Uhlu luvame ukuthunyelwa kuwebhusayithi yesikhungo esibolekisayo.

kodwa Ochwepheshe batusa uma unesikhathi, yisebenzisele ukuvakashela ihhovisi lenkampani. Kulokhu, uzokwazi ukubuza yonke imibuzo yakho khona lapho. Ngenxa yalokhu, imali izokwamukelwa ngaphandle kwezinkinga; ngeke kudingeke uhambise amadokhumenti kaningana.

Umbolekisi ngamunye wenza uhla ngokuzimela. Kodwa-ke, lapho uthola imali evikelwe yi-PTS, kufanele ukhathazeke kusengaphambili ngokulungiselela amadokhumende hhayi lowo obolekayo esikhathini esizayo kuphela, kodwa nangendaba yesibambiso.

Isinyathelo 3. Ukuhlolwa kwezimoto

Ngaphandle kokuthi lapho ufaka isicelo semalimboleko okukhulunywa ngayo, kuphela PTS, isikhungo sesikweletu sidinga ukuhlolwa imoto.

Inani eliphakeme kakhulu lemali elikhishwe ngebheyili lincike kunani elizokwembulwa ngenkathi kwenziwa ukuhlaziywa okunjalo. Ezimweni eziningi, yena ingeqi ku-60% wezindleko zemoto.

Ezimweni eziningi, izikhungo zezikweletu zinikela ngokuhlela ukuhlolwa enkampanini abayithandayo. Esimweni esinjalo ikhomishini ngoba ukuhlaziywa kungagqitshwa ↑, futhi inani elihloliwe ngaphansi ↓. Ngakho-ke, isimo esikahle kulapho umbolekisi evumela obolekayo ukuthi ngokuzikhethela akhethe i-appraiser.

Isinyathelo 4. Ukusayina inkontileka

Ochwepheshe abakhathali ukuphinda: ngaphambi kokufaka isiginesha esivumelwaneni, esenza ukutholwa kwemali kube semthethweni ekuphepheni kwe-TCP, kufanele uyifunde ngokucophelela.

Ukuze wenze lokhu endaweni enethezekile kakhulu, kufanele ucele kusengaphambili isifanekiso... Noma yisiphi isikhungo esizihloniphayo sesikweletu ngeke senqabe iklayenti lokhu.

OKUBALULEKILE! Ukuthola isifanekiso sesivumelwano semalimboleko ngaphambi kwesikhathi kuvumela, uma kunesidingo, ukucela ukucwaningwa kwesivumelwano ngabameli abangochwepheshe.

Lokhu kuzosiza ukugwema izinkinga ezinkulu lapho ukhokhela imalimboleko. Uma lokhu kulungiselela kokuqala kwenziwa, kuzosala ngosuku lokusayina isivumelwano ukuze siphinde sisibheke futhi sisayinwe.

Isinyathelo 5. Ukuthola imali

Ababolekisi bazinqumela ngokwabo ukuthi baboleka kanjani imali evikelwe yi-PTS. Kujwayelekile kakhulu ebhange ukudlulisa izimali ekhadini lepulasitiki... Lokhu kungaba ikhadi lekhasimende noma ikhadi elivulwe ngokukhethekile.

Le nketho inezinzuzo eziningana:

ithuba lokuthola imali ngokuphepha kwe-PTS ubusuku nemini, kufaka phakathi izingxenye;
ukuphepha okuphezulu;
ikhono lokukhokha ngemali ebolekiwe engeyona imali.

Uma kukhishwa imalimboleko evikelwe yi-PTS enhlanganweni yamabhizinisi amancane noma indawo yokuthenga, imali izokhishwa kakhulu ukheshi... Kulokhu, kufanelekile ukuzivikela ngangokunokwenzeka, ngoba uzoshiya ihhovisi unesamba esikhulu semali ezandleni zakho.

Isinyathelo 6. Insizakalo yesikweletu

Lapho ekhipha imali, umbolekisi unikeza ikhasimende isivumelwano sesibonelo semalimboleko. Uma imalimboleko izokhokhwa ngezingxenye, ingxenye yayo ebalulekile uhlelo lokukhokha... Lo mbhalo ukhombisa ukuthi kufanele ukhokhe nini futhi kanjani.

Ochwepheshe batusa khokha kusengaphambili - okungenani izinsuku eziyi-1-2 ngaphambi kosuku olubekiwe. Lokhu kukuvumela ukuthi ugweme ukukhokhwa emuva uma kwenzeka kubambezeleka kwizimali ezifakwayo.

Ezimweni eziningi, ababolekisi besimanje bayakuvumela ukuthi ukhokhe imalimboleko ngaphambi kwesikhathi esimisiwe noma ingxenye. Endabeni yesibili, uhlelo lokukhokha luzoshintsha: isikhathi sizoncishiswa noma inani lizokwehla. Esimweni esinjalo, kufanelekile ukuthi ucele umbolekisi ukuthi aphrinte uhlelo olusha olusha lokukhokha.

Lapho nje isikweletu sesikhokhelwe ngokuphelele, ipasipoti yemoto izobuyiselwa kumboleki. Ngemuva kwalokho khumbula ukususa okuhlanganayo emotweni.

Ukunamathela okunembile emiyalweni yezinyathelo nezinyathelo ethulwe ngenhla kukuvumela ukuthi wandise ijubane lokuthola imali kwezokuphepha kwe-TCP. Ngaphezu kwalokho, kuzosiza ukugwema izinkinga eziningi ngokuzayo.

Izigaba eziyinhloko zokuthola imali evikelwe yimoto

3. Uyithatha kanjani imali ngokuphuthumayo ekuvikelekeni kwemoto (imoto) - izigaba ezi-5 ezilandelanayo 📝

Izimo lapho obolekayo ethatha isinqumo sokuthola imali ngokushesha (ukheshi nomaokungeyona imali) ekuvikelekeni kwemoto, kunehlukile. Imvamisa, lolu hlobo lwemalimboleko lusetshenziswa lapho singekho isikhathi nesifiso sokuqoqa inani elikhulu lemibhalo, alikho ithuba lokuqinisekisa imali engenayo futhi ukuqashwa.

Kunoma ikuphi, ungathola imali ngokushesha ngale ndlela. Ukuze wenze lokhu, funda ngokucophelela okulandelayo izigaba zokubolekisa.

Isigaba 1. Ukukhetha inkampani yezikweletu

Imali evikelwe yimoto ikhishwa izinkampani zezikweletu zalezi zinhlobo ezilandelayo:

izinhlangano zamabhange;
izitolo zokudayisa;
abatshalizimali abazimele.

Ngaphambi kokwenza isinqumo esivuna umbolekisi oyedwa, kufanele uhlaziye ngokucophelela yonke imininingwane etholakalayo ngaye. Kubalulekile ukusebenzisa imithombo eminingi ngangokunokwenzeka - I-inthanethi, cindezela, ukubuyekezwa kwabangane namakhasimende enkampani... Okubaluleke kakhulu isilinganiso sama-ejensi akhethekile.

Kulabo abanomlando ohlanzekile wezikweletu futhi banethuba lokuqinisekisa ukuqashwa nokuxazululwa kwemali, ochwepheshe batusa ukuxhumana nebhange.

Kunezinzuzo eziningi zebhange ngaphezu kwabanye ababolekisi:

inombolo enkulu yezinhlangano ezahlukahlukene ezinezinhlelo ezahlukahlukene;
amanani amahle kakhulu wemalimboleko evikelwe yimoto;
ukuthembeka okuphezulu, izenzo ezenziwa kuphela ngaphakathi kohlaka lomthetho;
Isimo sokwethembeka phambi kwesibambiso sekhwalithi ephezulu.

Uma ngasizathu simbe kufanele ubambisane nezinye izikhungo zezezimali, kubalulekile ukuthi ufunde ngokucophelela imibhalo yabo yokubhalisa namalayisense abo. Lokhu kuzosiza ukugwema ukubambisana nabakhwabanisi.

Isigaba 2. Ukulungiswa kwemibhalo nokuhanjiswa kwezicelo

Kuzofanele uqoqe imibhalo edingekayo ikakhulukazi lapho ufaka isicelo ezinhlanganweni zebhange... Lapho uthola imali ngokuphepha kwemoto kuma-pawnshops futhi kusuka kubabolekisi abazimele konke kulula kakhulu: kwanele ukuxhumana nenkampani nomazisi, kanye nemibhalo esungula isihloko sesibambiso.

Kulesi sigaba, ungathumela ngokushesha isicelo sokuqala... Kodwa-ke, ochwepheshe batusa ukulungiselela imibhalo kusengaphambili. Lokhu kuzokusiza ukuthi uthole imali ngokushesha ngemuva kokuthola isinqumo sokuqala.

Uhlu lwamadokhumenti adingekayo kufanele lucaciswe enhlanganweni ngayinye ngokuhlukile:

Kubalulekile ukuthi udinga ubufakazi bokuthi ungubani (ipasipoti) kanye nemibhalo yetayitela emotweni.
Ngokwengeziwe, bangadinga ubufakazi bemali engenayo nomsebenzi.

Ngenkathi kulungiswa imibhalo, kubalulekile ukuthi ubheke ukuthi kufanele ibe isebenza ngesikhathi sethulwa. Kuyafaneleka ukucacisa isikhathi sokusebenza kwezitifiketi ezikhishiwe, kanye nesidingo sokuqinisekisa amakhophi.

Indlela elula kunazo zonke ukufaka ku-inthanethi kuwebhusayithi yebhange. Kodwa-ke, kufanele kuqondwe ukuthi isinqumo sizoba esokuqala. Uma uthinta ihhovisi nephakeji lamadokhumenti, ungalindela ukuthola imali ngebheyili ngosuku lokufaka isicelo.

Isigaba 3. Ukuhlolwa kwezimoto

Lapho ufaka isicelo semalimboleko evikelwe yimoto, kuphoqelekile ukuhlolwa kwendaba yesibambiso... Imvamisa, uhlu lwezinkampani ongaphendukela kuzo lilinganiselwe kakhulu. Ukuhlola esimweni esinjalo kufanele kwenziwe kulezo zinhlangano ezigunyazwe yibhange.

Abanye ababolekisi bayakuvumela ukuthi uzikhethele i-appraiser ngokwakho. Lokhu kuvela ukuthi kuzuzisa kakhulu obolekayo.

Izinzuzo zokukhetha i-appraiser ngokwakho zimi kanje:

umboleki unelungelo lokukhetha i-appraiser izinsizakalo zakhe ezishibhile;
okweletwayo esimweni esinjalo akanalo ithuba lokuthonya umphumela wokuhlolwa.

Kodwa-ke, kufanelekile ukucubungula okubalulekile kusimo ukuzikhethela komhlaziyi, obolekayo uthatha izingozi ezihambisana nokuqinisekisa ukuba semthethweni kwemisebenzi yakhe.

Ngesikhathi sokuhlolwa kwemoto, kwenziwa izinqubo ezilandelayo:

ukuhlolwa okubukwayo, kanye nokufaka ezithombeni isimo semoto esethulwe njengesibambiso;
ukuqhathanisa imoto enokufana okunikezwa emakethe, ukunqunywa kwezindleko ezijwayelekile zezimoto ezithengisiwe;
umbono wochwepheshe nokubalwa kwenani elilinganisiwe.

Ezimweni eziningi, i-appraiser idinga ukulungiselela umbiko 2-3 usuku. Noma kunjalo, ungasebenzisa izinsiza ukuhlolwa okuphuthumayo... Kepha kufanele ucatshangelwe: kulokhu, izindleko zizoba ngaphezulu будет.

Isigaba 4. Isiphetho sesivumelwano semalimboleko

Uma kunesinqumo esihle sokukhipha imali evikelwe yimoto, obolekayo nombolekisi basayina izinhlobo eziningana zezivumelwano:

isikweletu;
isivumelwano sesibambiso;
ukugcina kahle imoto, uma kunesidingo.

Ngokwesiko, izivumelwano zebhange zenziwa ngokuya ngesifanekiso, isikhulu semalimboleko sifaka imininingwane yomuntu obolekayo kuphela. Le ndlela ivumela iklayenti ngaphambili zijwayeze ifomu elijwayelekile bese uthola yonke imigomo engaqondakali yesivumelwano. Ngaphambi kokufaka isiginesha yakho kumadokhumenti, kufanele afundwe ngokucophelela.

Kubalulekile ukunaka amaphuzu alandelayo esivumelwano:

izindleko ezigcwele zokubolekwa kwemali mboleko;
inani nemibandela yokubala izinhlawulo;
imingcele ekusetshenzisweni kwemoto;
inqubo yokuthengiswa okuyimpoqo kwendaba yesibambiso.

Isigaba 5. Ukuthola imali nokubuyisela imali ebolekiwe

Ngemuva kokusayina izivumelwano, umbolekisi unikeza obolekayo imali. Amabhange ezimweni eziningi adlulisa izimali ekhadini lepulasitiki... Ezinye izinhlobo zababolekisi zingakhipha imali ukheshi.

Kanye nekhophi yesivumelwano, obolekayo uyayithola uhlelo lokukhokha... Kubonisa izinsuku nenani lokukhokha. Kubalulekile ukunamathela kusheduli ngqo ukugwema ukwanda kwenhlawulo nezinhlawulo.

Uma ulandela ngokuqinile uhlelo olwethulwe ngenhla, uzokwazi ukuthola imali evikeleke ngemoto ngokushesha okwanele. Ngaphezu kwalokho, kuzosiza ukugwema izinkinga eziningi.

Kuphi nokuthi ungayithola kanjani imali evikelekile nge-real estate - umhlahlandlela wesinyathelo ngesinyathelo

4. Imali evikelwe yi-real estate - ngubani onganikela nokuthi kunenzuzo engakanani ukuyithatha 📋

Akuwona wonke umuntu owaziyo ukuthi ingcebo ikhishwa ngesibambiso Hhayi kuphela imali ebanjiswayo. Le nketho ikuvumela ukuthi uthole imali ngokushesha futhi uhlale ungumnikazi wefulethi noma indlu. Ngezansi kunama-nuances amakhulu wokuthola imalimboleko evikelwe yi-real estate.

4.1. Ngubani oboleka imali evikelekile nge-real estate

Namuhla, imali mboleko evikelwe yimpahla ingakhishwa yizinhlangano ezahlukahlukene. Ukuthola imali mboleko kulowo nalowo kubo kunokwakhe izinzuzo futhi ukulinganiselwa... Ukwenza kube lula ukuqhathanisa izinhlobo zababolekisi, kuvezwa izici zabo eziyinhloko etafuleni ngezansi.

Ithebula: "Izinzuzo nobubi bokuthola imali evikelekile ngokuthengiswa kwezakhiwo ezikhungweni ezehlukene zezikweletu"

Uhlobo lombolekisi	Izinzuzo	yokuntula
Amabhange	Amanani aphansi kunezinye izinkampani Izinga eliphakeme lokuthembeka Izimo ezingabonakali zokuthola imali	Uhlu olude lwemibhalo edingekayo Amathuba amancane okuvunyelwa kwezicelo Inqubo yokubhalisa ilawulwa ngokuqinile
Inhlangano yezezimali ezincane	Ijubane eliphezulu lokubhalisa Iphakethe elincane lemibhalo edingekayo	Izinga eliphakeme lobungozi Izigxobo eziphakeme Izimo eziqinile zokubala izinhlawulo
Abatshalizimali abazimele	Amagama aguquguqukayo Amandla okuguqula imingcele yemalimboleko ngokuya ngezidingo zomboleki Imibhalo emincane edingekayo Ijubane eliphezulu lokuthola	Izingozi ezinkulu Amanani aphezulu

Vele, wonke umuntu unelungelo lokukhetha ngokuzimela uhlobo lombolekisi angaxhumana naye. kodwa ungakhohlwaukuthi ngendlela ecatshangelwe yokuthola imali, impahla engumnikazi yomboleki isebenza njengesiqinisekiso sokubuyiswa. Ukuze ungalahleki, kubalulekile ukuthi uhlaziye ngokucophelela amakhono akho ezezimali, ukutadisha ukuthembeka kokweletwayo.

4.2. Hlobo luni lwezezakhiwo okungenzeka ukuthi uthole imali ngalo

Ukuthola imali kwimalimboleko evikelwe yi-real estate bekungokoqobo, kubalulekile ukwazi ukuthi yiziphi izinto ezamukelwa njengesibambiso.

Indlela elula yokukhipha imali iwukuba khona kwalezi zinhlobo ezilandelayo ze-real estate:

amafulethi;
amakamelo ezindlini;
izindlu ezizimele;
amasheya efulethini noma endlini yangasese;
umhlaba;
izindlu ezithengiswayo.

Kubalulekile ukuqonda ukuthi izidingo ezibucayi zibekwa kunoma iyiphi ingcebo.

Ukuze usebenze njengesibambiso, izindlu nomhlaba kumele:

uketshezi, okungukuthi, ukufunwa emakethe;
okungekho okuphuthumayo;
hhayi ukubhidlizwa;
ube nakho konke ukuxhumana okudingekayo;
into akufanele kube yisikhumbuzo sezakhiwo noma amagugu amasiko;
akukho ukubophezeleka, ukuboshwa, izethembiso okufanele zibekwe ku-real estate;
ukungabambi iqhaza enkantolo;
iphathwe ngumboleki.

Okunye, kunezidingo eziqinile kakhulu.

Ngokwesibonelo, abanye ababolekisi ababolekisi ngemali evikelwe yizindlu ezindala kunesilinganiso esinqunyelwe kusengaphambili.

Ngaphezu kwalokho, akunakwenzeka ukuthola imalimboleko evikelwe yi-real estate, lapho izingane zibhaliswe khona noma zingabanikazi bamasheya.

4.3. Ungayithatha kanjani imali evikelwe yi-real estate - 5 izinyathelo ezilula

Ukuthola kalula imali evikelwe yi-real estate, kubalulekile ukwazi ukuthi yiziphi izinyathelo okudingeka uzithathe kulokhu. Ngezansi kunemininingwane imfundo.

Isinyathelo 1. Ukukhetha isikhungo sezikweletu

Ungathola imali ngokuthembisa ingcebo hhayi kuphela ebhangekodwa nakwabanye izikhungo zezimali, futhi kubantu ngabanye.

Ngasikhathi sinye, amabhange ahlinzeka ngeziqinisekiso eziphakeme, kanye nezimo ezisobala. Ngaphezu kwalokho, zihlala zisebenza ngaphakathi kohlaka lomthetho. Kodwa-ke, kunezimo lapho kungenakwenzeka ukuxhumana nebhange.

Akunandaba ukuthi iyiphi inhlangano okhetha ukuxhumana nayo, kunqubo yokukhetha kufanele ungabheki kuphela isilinganiso senzalokodwa futhi nezinye izici zemalimboleko enikezwayo.

Okokuqala, udinga ukutadisha amapharamitha wohlelo alandelayo:

ukutholakala kwesidingo somshwalense oyimpoqo;
imigomo yemalimboleko;
ubukhona bamakhomishini angeziwe;
imibandela yokuqongelela, kanye nenani lezinhlawulo;
amathuba okukhokha ngaphambi kwesikhathi okuyingxenye futhi okugcwele.

Kubalulekile ukutadisha hhayi kuphela imigomo yemalimboleko. Lapho ukhetha inkampani, kufanele futhi uyinake isithunzi, isikhathi somsebenzi emakethe, futhi isilinganiso... Ngaphezu kwalokho, ngeke kube ngokweqile ukunaka ukubuyekezwa kwamakhasimendeasebevele basebenzisa izinsizakalo zombolekisi.

Uma unesikhathi samahhala, kufanelekile ukuvakashela ihhovisi lombolekisi... Lapha awukwazi ukukhuluma nengcweti kuphela, kepha futhi ungacela ifomu lesivumelwano semalimboleko kusengaphambili. Amabhange azihloniphayo avumela amakhasimende ukuthi azijwayeze le dokhumenti eyisisekelo kusengaphambili.

Isinyathelo 2. Ukuhambisa uhlelo

Lapho umbolekisi esekhethiwe, kuzohlala kusebenza. Lokhu kungenziwa ngenye yezindlela eziningana:

ukuvakashela igatsha lesikhungo sezikweletu;
ngokushayela isikhungo sezingcingo;
ngokusebenzisa umthengisi wesikweletu;
online kuwebhusayithi yebhange.

Isinqumo ngesicelo siyoba esokuqala. Uma kuvunyiwe, lowo obolekayo ozobizwa uzobizwa ngumsebenzi wombolekisi. Uzokwenza i-aphoyintimenti, akutshele ukuthi nini, ngamiphi imibhalo nokuthi uzofika kuphi.

Isinyathelo 3. Ukulungiswa kwephakeji lemibhalo

Umbolekisi ngamunye wenza olwakhe uhlu lwemibhalo. Noma kunjalo, ungenza uhlu olujwayelekile kuwo wonke umuntu.

Ukwamukela imali evikelwe yi-real estate, kuzofanela ulungiselele amaqembu ama-2 amadokhumende:

ngqo kumboleki;
ngesihloko sokuphepha.

Uhlu lwamadokhumenti womboleki imvamisa lufaka:

isitatimende;
umazisi (ezimweni eziningi - ipasipoti);
ikhophi yencwadi yomsebenzi;
isitifiketi somholo.

Isakhiwo kuzodingeka sinikeze:

isitifiketi sobuchwepheshe;
imibhalo yetayitela (izinkontileka zomnikelo, ukuthenga nokuthengisa, ukushintshanisa nezinye);
khipha kwirejista yombuso wobumbano we-real estate;
imvume yokuthengiselana kwabashadile;
izitifiketi ezivela ehhovisi lezindlu;
umbiko wenkampani yokuhlola.

Uma ufuna ukuthola imali kuvikelwe yindlu yangasese ngaphezu kwalokho, kuzofanele uthumele yonke imibhalo efanele indawo yomhlaba.

Lapho ulungiselela izitifiketi, kubalulekile ukubheka isikhathi sokufaneleka kwazo. Uma kunqunyelwe, ungasheshi ukuwathola.

Isinyathelo 4. Ukusayina inkontileka

Ngemuva kokunikeza iphakethe eligcwele lemibhalo, abasebenzi besikhungo esikweleta bawahlola. Isinqumo senziwa ngokuya ngemiphumela yaso. Uma kuthanda okuhle, kwenziwe kusayinwa amaqembu wesivumelwano semalimboleko.

Okubalulekile! Ngaphambi kokusayina inkontileka, kubalulekile ukuyifunda kusukela ekuqaleni kuze kube sekugcineni.

Lapho ufunda isivumelwano, kufanele unake ama-nuances alandelayo:

imibandela yokuqongelela kanye nenani lezinhlawulo;
ukubakhona kwemali ekhokhelwa ngaphambi kwesikhathi ngokugcwele nangokugcwele;
lapho kwenzeka ukuthi inkontileka inqanyulwe, isihloko sesibambiso siyathengiswa;
zizoba yini izindleko eziphelele zemalimboleko (inani likathishanhloko, inzalo namakhomishini).

Uma unemibuzo ngenkathi ufunda isivumelwano, kufanele ubabuze isisebenzi sasebhange. Kubalulekile ukubeka isiginesha kuphela lapho konke sekucacile.

Isinyathelo 5. Ukuthola imali nokubuyisela imali ebolekiwe

Inqubo yokugcina yokuthola imalimboleko evikelwe yi-real estate ukuthola imali. Lapho uthinta ibhange, ezimweni eziningi ziyadluliselwa ekhadini lasebhange... Lokhu kukuvumela ukuthi usebenzise izimali ngokubona kwakho - ukhiphe yonke imali ngasikhathi sinye noma uyithole ngezingxenye.

Kodwa-ke, ukuthola imali akubuqedi ubudlelwano phakathi komboleki nombolekisi. Ukugcwaliswa kwezibopho ngaphansi kwenkontileka manje kuyaqala. Lokhu kufanele kwenziwe ngokuhambisana nokwamukelwe uhlelo lokukhokha.

Kubalulekile ukuhambisana ngqo nesikhathi kanye nenani lezinkokhelo. Uma, ngasizathu simbe, wenqaba ukukhokha, okweletwayo unelungelo lokuthengisa into athembisiwe futhi akhokhele ukulahlekelwa ngemali etholakele.

Ukunamathela okunembile kule miyalo engenhla yesinyathelo ngesinyathelo kungakhuphula kakhulu ↑ ijubane lokuthola imali evikelwe yi-real estate. Ngaphezu kwalokho, kuyasiza ukugwema amaphutha ajwayelekile.

Imiyalo ngezinyathelo ezi-5 ezilula zendlela yokuthola imali evikelwe yifulethi

5. Ungayithatha kanjani imali ngokuphepha kwefulethi - imiyalo eningiliziwe yesinyathelo ngesinyathelo 📑

Esimweni lapho imali idingeka ngokushesha, ukuthola imali ekuphepheni kwefulethi kungaba inketho enhle. Ukuze kuthi ngesikhathi senqubo yemalimboleko kungabikho zinkinga, futhi inqubo ihambe ngokushesha ngokwanele, sincoma ukuthi ulandele imiyalo engezansi.

Isinyathelo 1. Ukukhetha umbolekisi bese ufaka isicelo

Ngisho nakulezo zimo lapho imali idingeka ngokushesha okukhulu, ukukhetha umbolekisi kufanele kubhekwane nakho ngendlela efanelekile ngangokunokwenzeka. I-Frivolity ingaholela umboleki wesikhathi esizayo ngqo kubakhwabanisi.

Kubalulekile ukuqonda ukuthi ekubolekiseni ngamabhange, amathuba okukhwabanisa aphansi impela ↓. Ngakho-ke, uma kungenzeka, kufanelekile ukuthola imali ngokuphepha kwefulethi lapha.

Lapho uqhathanisa amabhange, kufanele unake le mibandela yemalimboleko elandelayo:

usayizi;
isilinganiso;
isikhathi;
ukuhambisana nezidingo zomboleki uqobo, kanye nesibambiso.

Ngaphezu kwalokho, lapho ukhetha umbolekisi, kufanele futhi uqhathanise izilinganiso abangaqokelwa ukhetho. Uma unesikhathi, ungavakashela amahhovisi, uthintane nabasebenzi. Ngeke kube ngaphezu kokufunda ukubuyekezwa mayelana nenhlangano yezikweletu yamakhasimende akhona.

Ekupheleni kokuhlaziywa, kukhethwa inkampani yesikweletu. Ngemuva kwalokho, ungaqala ukugcwalisa izinhlelo zokusebenza... Namuhla, ngenxa yalokhu, akudingekile ukuya ehhovisi lesikhungo sezikweletu.

Isicelo singathunyelwa kumodi eku-inthanethi kuwebhusayithi yenkampani, futhi ngocingo... Uma, ngokuya ngemiphumela yokucubungula isicelo, umbolekisi wenza isinqumo esihle, uchwepheshe uzoxhumana nomboleki wesikhathi esizayo futhi akutshele ukuthi yiziphi izinyathelo zakhe ezilandelayo okufanele zibe.

Isinyathelo 2. Ukulethwa kwemibhalo

Ngaphambi kokuvuma ukuthola imali evikelwe yifulethi, kubalulekile ukutadisha ngokucophelela uhlelo oluhlongozwayo lwemalimboleko. Kulokhu, kufanelekile ukunaka ngokukhethekile amalungelo nezibopho zamaqembu.

Kuwo wonke amaphuzu angacacile, kuhle ukubuza eminye imibuzo. ngaphambi kokusayina inkontileka... Ngemuva kwalokho, noma yiziphi izingxabano kuzofanele zixazululwe enkantolo.

Kulesi sinyathelo, kufanele uthumele kumbolekisi iphakethe lamadokhumenti... Inkampani ngayinye ihlanganisa uhlu lwayo ngokuzimela. Kodwa-ke, kunamaphuzu amaningi ajwayelekile.

Uzodinga amaqembu ama-2 wamaphepha:

ngqo kumboleki;
ngendaba yesibambiso.

Phakathi kwemibhalo yamakhasimende uzodinga:

umazisi;
isitifiketi somholo;
isiqinisekiso sokuqashwa ngendlela yekhophi yencwadi yomsebenzi.

Phakathi kwemibhalo yaleli fulethi kuyadingeka:

isitifiketi sobunikazi;
isitifiketi sobuchwepheshe;
isitifiketi esivela ehhovisi lezindlu;
esimweni somshado obhalisiwe, imvume yalowo oshade naye.

Isinyathelo 3.Ukuhlolwa kwefulethi

Inqubo ephoqelekile yokuthola imali ngesikweletu evikelwe yifulethi yile ukuhlolwa kwento ethenjisiwe... Imvamisa, ngenxa yalokhu, kufanele uxhumane nezinkampani ezigunyazwe yibhange.

Phakathi kwezinzuzo (+) zokusebenzisa izinsizakalo zezinkampani ezigunyaziwe kukhona okulandelayo:

ukonga isikhathi esibalulekile - okweletwayo wemukela imibiko ngokuhlolwa kwalezi zinhlangano okokuqala ngqa;
izinga eliphezulu lokuthembeka - yonke imibhalo eqinisekisa izinga lobuchwepheshe kanye negunya lenkampani yokuhlola isivele iqinisekisiwe ngesikhathi senqubo yokugunyazwa.

Abanye ababolekisi bavumela ababolekisi ukuthi bazikhethele owabo umhloli.

Esimweni sokukhetha okuzimele kwe-appraiser, izinzuzo eziningi zingahlukaniswa:

ungakhetha inkampani enezindleko zesevisi ezizoba zincane kakhulu;
okweletwayo kungenzeka angathinti umphumela wokuhlolwa.

Lapho yonke imibhalo edingekayo seyilungisiwe, kuzofanele ubizele i-appraiser efulethini. Uchwepheshe uzothwebula into, futhi aqoqe neminye imininingwane edingekayo.

Ngemuva kokuphothula izinyathelo ezidingekayo, kuzodingeka ulinde umphumela wokuhlolwa cishe izinsuku ezi-5... Kungenzeka uku-oda ukwenziwa kombiko okusheshayo. Kodwa-ke, izindleko kuleli cala zizobe ziphakeme. Kubalulekile ukuqonda ukuthi imali yokuhlola ikhokhwe ngumboleki.

Isinyathelo 4. Ukwenza umshwalense

Umshuwalense, kanye nokuhlola, kuyizinqubo eziyimpoqo lapho uthola imali evikelwe yifulethi. Izindleko zensizakalo enjalo zikhokhwa futhi ngumboleki ephaketheni. Kwezinye izimo, kuvunyelwe ukuyifaka enanini lemalimboleko etholiwe.

Amapharamitha alandelayo athinta inani lenkokhelo yomshwalense:

uhlobo lwempahla okufanele luqinisekiswe;
isikhathi senqubomgomo;
iyiphi inkampani ekhethwe njengomshuwalense;
isimo, kanye nezinye izici zento.

Isinyathelo 5. Ukusayina inkontileka nokuthola imali

Lapho zonke izinyathelo zokulungiselela sezidlulisiwe, kuhlala kusayina isivumelwano bese uthola imali. Lapho kufakwa isicelo semalimboleko evikelwe yifulethi, amaqembu aphetha ngokushesha 2 inkontileka: isikweletu futhi isibambiso... Ngaphambi kokusayina, kufanele ufunde isivumelwano ngasinye kusukela ekuqaleni kuze kube sekugcineni.

Akuwona wonke umuntu owaziyo, kodwa Isibambiso singanikezwa hhayi kuphela ngumboleki... Noma yimuphi umuntu unelungelo lokudlulisa ifulethi lakhe njengesibambiso sokuthola imali ngomunye umuntu.

Kulula kakhulu ukuboleka imali uma unefulethi. Uma ulandela imiyalo enikezwe ngqo, uzokwazi ukuthola imali mboleko ngokushesha futhi ngaphandle kwezinkinga.

6. Ungayitholaphi imali ngebheyili - izinhlangano ezi-5 ezihamba phambili zezikweletu 📊

Inzuzo yemalimboleko evikelekile inqunywa kakhulu yinkampani yesikweletu ekhethiwe. Ngasikhathi sinye, akuwona wonke umuntu onethuba lokufunda inani elikhulu lokunikezwayo emakethe yezezimali, uwaqhathanise bese ukhetha okuhle kakhulu. Kumele kuqashelwe nokuthi abanye ababolekisi bakhipha imali mboleko enkulu ngaphandle kokudinga isibambiso.

Esimweni esinjalo, izilinganiso ezihlanganiswe ochwepheshe ziyasiza. Ngezansi kukhona 5 amabhange athandwayo, imibandela yokuthola imali ngebheyili okuvele ukuthi ibe yinhle kakhulu.

1) I-VTB Bank yaseMoscow

I-VTB Bank yaseMoscow ikuvumela ukuthi uboleke imali ngezinga elithile kusuka 14,5% ngonyaka... Ngasikhathi sinye, abangaba ababoleki baphathwa ngokuthembeka lapha.

Ukubolekwa kwabathengi okujwayelekile kukuvumela ukuthi uthole ngaphambi 3 000 000 ama-ruble... Lokhu kungaba enye indlela enhle kakhulu yemalimboleko evikelekile. Isikhathi sokubuyiselwa kohlelo olunjalo sifinyelela 5 iminyaka.

I-VTB Bank yaseMoscow isungule okunikezwayo okuningi okuyingqayizivele, phakathi kwawo wonke umuntu angathola okulungele yena. Izaphulelo ezingeziwe zinikezwa amakhasimende athola amaholo kumakhadi asebhange, abahola impesheni, nakubasebenzi bomkhakha womphakathi.

2) I-Alfa-Bank

Izinga eliphakeme lokugxila kwamakhasimende livunyelwe I-Alfa-Bank thola ukuthandwa okukhulu. Isidingo esikhulu kunazo zonke silapha amakhadi esikweletu, futhi imali mboleko yabathengi.

Okokugcina kukuvumela ukuthi uthathe ngaphambi 3 000 000 ama-ruble... Kulokhu, akudingeki isibambiso, kwanele ukuqinisekisa imali engenayo. Izinga lemalimboleko enjalo libekiwe 11,99% ngonyaka.

Amakhadi esikweletu aya ngokuya ethandwa ngokwengeziwe ngenxa yomkhawulo ovuselelekayo, kanye nesikhathi somusa.

Ungathola ikhadi lesikweletu kwa-Alfa-Bank ngale mibandela elandelayo:

umkhawulo kasayizi ngaphakathi 1 000 000 ama-ruble;
isikhathi somusa kuze kube 100 izinsuku (kusebenza kuzo zombili izinkokhelo ezingezona imali nokukhishwa kwemali);
izindleko zokugcina zonyaka - 490 ama-ruble;
ukukhishwa kwemali ngaphandle kwamakhomishini;
ukutholakala kwezinhlelo zebhonasi nezaphulelo ezivela kozakwethu.

3) I-Sovcombank

Sovcombank uncamela ukusebenza nabantu abanzima abaneminyaka ephakathi nendawo nabadala. Isici esihlukile semikhiqizo yesikweletu lapha yikhono lokuthola imali ngezakhamizi kuze kube yiminyaka engama-85 ubudala.

Kwezokuphepha kwezindawo, izindaba zeSovcombank izimalimboleko ezingafanele... Usayizi wabo omkhulu ungafinyelela 30 000 000 ama-ruble... Kulokhu, ukuqinisekiswa kwemali engenayo akudingeki.

4) Ibhange iTinkoff

I-Tinkoff ukuphela kwebhange eRussia elisebenza kude kakhulu. Le nkampani ayinamahhovisi, futhi noma yikuphi ukusebenza kungenziwa nge-Intanethi noma ngocingo.

Ukunikezwa kwemali mboleko kuhluke kakhulu lapha. Amakhasimende anikezwa ukuthola imali mboleko yemali, imali ebanjiswayo, kanye nekhadi lesikweletu.

Okudume kakhulu kunembile amakhadi esikweletu... Zilungele labo abadinga ngokushesha inani elincane lemali kunani le- ngaphambi 300 000 ama-ruble.

Ungathola ikhadi elinjalo ngokushesha okukhulu, ngaphandle kokunikeza idiphozi futhi ngaphandle kokuqinisekisa imali engenayo. Kulokhu, awudingi ngisho nokuphuma endlini. Ukwengezwa okuhle ohlelweni ubukhona isikhathi somusa ubude besikhathi 55 izinsuku.

5) Isikweletu se-Renaissance

Isikweletu se-Renaissance lifanelwe ukunakwa lapho kukhethwa uhlelo lokuthola imali ngenxa yokutholakala kokunikezwa okulula nokunenzuzo amakhadi esikweletu... Akhiqizwa futhi ahlinzekwa lapha mahhala. Kulokhu, umkhawulo omkhulu ngu- 200 000 ama-ruble.

Ukuthola ikhadi lesikweletu, kwanele ukuhambisa isicelo kuwebhusayithi yebhange. Uma livunyiwe, ikhadi lizokhishwa ngosuku olufanayo egatsheni eliseduze.

Ukuze kube lula ukuqhathanisa, ukunikezwa kwemali mboleko okucatshangelwe kufingqiwe ngokwesiko etafuleni elingezansi.

Ithebula "izikhungo ezi-5 zezikweletu ezinemibandela engcono yokuthola imalimboleko":

Inhlangano yezikweletu	Usayizi wemali mboleko	Imigomo yemalimboleko	Linganisa
1) I-VTB Bank yaseMoscow	Kusuka kuma-ruble ayizinkulungwane ezingama-300 kuye kwezi-3	Kuze kube yiminyaka emithathu	16.0% ngonyaka
2) I-Alfa Bank	Kusuka kuma-ruble ayizinkulungwane ezingama-60 kuye kweziyishumi (ubuningi be-60% yesilinganiso)	Iminyaka engu-25	Kusuka ku-12.0% ngonyaka
3) Sovcombank	Kusuka kuma-ruble ayizinkulungwane ezingama-200 kuye kweziyizigidi ezingama-30	Iminyaka 5-10	18.9% ngonyaka
4) *Ibhange iTinkoff*	Ama-ruble angama-300,000 - 15,000,000	Iminyaka engu-15	Kusuka ku-12.0% ngonyaka
5) Isikweletu se-Renaissance	Izinkulungwane ezingama-300 - 3 million	Iminyaka 5-10	Kusuka ku-16.0% ngonyaka

Sikweluleka futhi ukuthi ufunde indatshana yethu yokuthi ungayithathaphi imali uma wonke amabhange kanye nama-microloans enqaba.

7. Ungabi kanjani isisulu sabakhohlisi futhi ungalahli isibambiso - amathiphu ama-3 abalulekile 💎

Njengomthetho, ezimweni ezinzima zokuphila abantu bayakhohlwa ngazo ukuqapha... Babamba wonke amathuba okuthola imali evikelekile nge-real estate futhi bakulungele ukuvumelana cishe nanoma yikuphi ukunikezwa.

Esimweni esinjalo, izakhamuzi zivame ukuba izisulu zabakhohlisi. Okwamanje, kwanele ukulandela Izeluleko ezilula ezi-3 zokugwema ukungena esimweni esinzima.

Ithiphu 1. Thatha imali kwabakweletwayo abathembekile

Ku-inthanethi namuhla ungathola inqwaba yeziphakamiso zokuthola imali yebheyili. Ngeshwa, ezinye zazo zidalwe imikhonyovu.

Ukugwema izinkinga ezinkulu, kufanelekile ukuthola imali mboleko kuphela ababolekisi abadumile abanerekhodi elicwebezelayo elicwebezelayo. Kodwa-ke, kufanele kukhunjulwe ukuthi bavame ukubucayi kakhulu ngokuhlola ababolekayo.

Kunezinzuzo eziningi zokubambisana nezinhlangano ezinjalo:

izimo zokubolekwa okusobala;
amanani amahle;
ukubambisana kuphela ngaphakathi kohlaka lomthetho wamanje.

Lapho ukhetha umbolekisi, kubalulekile ukukhumbula: izinkampani ezibucayi azikuthathi ukukhokhelwa kusengaphambili ngemisebenzi yazo... Ezimweni eziningi, izimfuno ezinjalo zenziwa kuphela ngabakhohlisi.

Ithiphu 2. Sebenzisa izinsizakalo zabameli

Ngisho nakulezo zimo lapho imali idingeka ngokuphuthumayo, akufanele usayine isivumelwano ngaphandle kokubheka. Okubaluleke kakhulu ngokuqedwa kwezivumelwano kufanele kuthathwe ezimweni lapho imali mboleko ibanjiswa ngempahla.

Kuyafaneleka ukucatshangelwa! Uma ungenalo ulwazi olwanele noma isikhathi sokufunda inkontileka uwedwa, kufanele ubheke kochwepheshe ukuze uthole usizo.

Namuhla, izinsizakalo zabameli zingasetshenziswa ngaphandle kokushiya ikhaya lakho noma ihhovisi. Ukuze wenze lokhu, vele uye ku- indawo ekhethekile... Ukubonisana nabachwepheshe kusiza ukugwema amaphutha amaningi abucayi, kanye nokunciphisa amathuba okuphetha isivumelwano nabakhohlisi.

Ithiphu 3. Xhumana nomthengisi wemalimboleko

Ukukhetha umbolekisi ohamba phambili kunzima ngokwanele. Imvamisa alukho ulwazi oludingekayo nesikhathi salokhu. Esimweni esinjalo, ochwepheshe batusa ukufuna usizo kochwepheshe, isibonelo abadayisi bezikweletu... Bangabalamuli phakathi kwezikhungo zezikweletu nababolekisi.

Abadayisi bezikweletu bavame ukuhlinzeka ngezinsizakalo ezilandelayo:

ukukhethwa kwebhange elifanele, kanye nohlelo lwemalimboleko;
usizo ekulungiseleleni imibhalo;
ukugcwalisa izicelo bese uzithumela ebhange elilodwa noma amaningi;
uma kwenzeka uthola imvume yesicelo, ukuqedwa kokugcina kokuthengiselana kuze kutholakale imali.

Ngokwemvelo, izinsizakalo zabathengisi bezikweletu azikho mahhala. Kuzofanele bakhokhe ikhomishini, elingalinganiswa kokubili njengenani elinqunyiwe futhi njengephesenti lenani lemalimboleko.

Lapho uthinta abathengisi, kufanele uqaphele ngangokunokwenzeka. Abakhohlisi bavame ukuhlangana nabo. Izinkampani ezinjalo zivame ukuhlinzeka ngezinsizakalo zokwakha imibhalo (izitifiketi zemali engenayo, amakhophi encwadi yomsebenzi).

Abakhohlisi bavame ukukhokhisa imali eningi ngezenzo ezinjalo. Noma kunjalo, bona ungazisi amaklayenti mayelana nesikweletu sobugebengu ngokuqamba imibhalo.

Lapho ubheka izitifiketi ezinjalo, abezokuphepha basebhange nakanjani bazobala iqiniso lokukhwabanisa. Kulokhu, unga Hhayi kuphela uthole uhlu lwabamnyama kuwo wonke amabhange, kepha futhi uthole izinkinga ezinkulu ngomthetho.

Ukuqinisekisa ukuthi umthengisi akusiwona umkhonyovu, kubalulekile ukwazi izici eziningi ezitholakala ezinkampanini ezithembekile:

ukuntuleka kokunikezwa usebenzisa izindlela ezingekho emthethweni zokuthola imalimboleko;
ukubamba iqhaza ezinhlanganweni zobungcweti;
ukutholakala kwesimo esisemthethweni, ihhovisi elihlomile, ifoni yasedolobheni.

Ukunamathela ngokunembile kulezi zeluleko ezingenhla kuzokusiza ugweme izinkinga lapho ufaka isicelo, kanye nokuhlinzeka ngemali mboleko.

8. FAQ - Imibuzo Ebuzwa Njalo 📋

Enkambweni yokutadisha isihloko sokuthola imali evikelwe yimpahla, kunenqwaba yemibuzo ephakamayo. Ukonga isikhathi sakho, ngokwesiko sinikela ngezimpendulo kokudume kakhulu kubo ekugcineni kokushicilelwa.

Umbuzo 1. Ngingayithola yini imali evikelwe yimoto yesikweletu?

Enkambeni yokufuna izindlela zokuthola imali ngemalimboleko, abaningi bathatha isinqumo sokubambisa ngempahla yabo.

Kodwa-ke, hhayi wonke umuntu uyazi ukuthi kunethuba lokuthola imalimboleko evikelwe yimoto esivele isibaliwe... Lokhu akulula ukukwenza, kepha kungenzeka. Ukuze wenze lokhu, ungaxhumana nebhange noma indawo yokuthengisela izimoto.

Ukwamukela imali ngokuphepha kwemoto ethembisiwe Ochwepheshe batusa thintana nebhange okukhishwe ngalo imali mboleko yemoto.

Kunezici eziningana zokuthola imalimboleko ebhange:

isikhathi esifushane, ezimweni eziningi ayidluli 3 izinyanga;
imali izonikezwa kuphela obolekayo onokwethenjelwa, lowo umbolekisi amethemba ngokuphelele;
iningi lesikweletu esikhulu ngesikhathi sokubhala isicelo kumele sikhokhwe;
amaphesenti wezinsizakalo ezinjalo ngokuvamile aphakeme kakhulu futhi alinganiselwa cishe ku- 3% inyanga ngayinye.

Akuwona wonke amabhange ahlinzeka ngezinsizakalo ezinjalo, imvamisa izakhamuzi zinquma ukuxhumana nazo indawo yokuthengisa izimoto.

Inzuzo yezinkampani ezinjalo yikhono lokuthola imalimboleko ngokunikezwa kwephakeji elincane lemibhalo. Ezimweni eziningi, kwanele ukuba nepasipoti yesakhamuzi, kanye nemoto.

Ngaphandle kokuhluleka, lapho uthola imali esitolo sokuthenga, kwenziwa ukuhlolwa kwemoto njengesibambiso:

ngqo nguchwepheshe we-pawnshop onguchwepheshe;
umqashwa wanoma yisiphi isiteshi sosizo.

Lapho sekuqediwe ukuhlolwa, umnikazi wemoto angathola izimali isikhathi esithile kusuka 3 ngaphambi 12 izinyanga... Kulokhu, imoto efungisiwe ivaliwe futhi iyathathwa ukuze igcinwe ngokuphepha endaweni ethile yokupaka.

Ngaphansi kwemibandela yemalimboleko enjalo isilinganiso ezimweni eziningi kuyahlukahluka ngaphakathi kusuka ku-0.2 kuye ku-2% ngenyanga... Kulokhu, izindleko ezingeziwe zizoba izimali zokupaka futhi umshuwalense wemoto.

Uma ekupheleni kwenkontileka iklayenti lingayibuyiseli imali egcwele ngokugcwele esitolo sokuthenga, uzothengisa imoto ayithengise.

Umbuzo 2. Yiziphi izinzuzo zokuthola imali evikelwe yizakhiwo nomuntu ongasese?

Kunezinzuzo eziningi ezitholakala ekutholeni imali kubantu abavikelekile nge-real estate:

Akunasidingo sobufakazi obubhalwe phansi be-solvency, kanye neqiniso lokuqashwa likuvumela ukuthi uthole izimali ngokushesha, kufaka phakathi lezo ezisebenza ngokungekho emthethweni.
Imvamisa, abatshalizimali abazimele abazibeki phambili izidingo zokuhlolwa kanye nomshuwalense wezindlu ezithengiswayo. Ngenxa yalokho, izindleko zokuhlinzeka ngemali mboleko ziyancipha.
Imibandela yokuthola imali kuvunyelwana ngayo ngawodwana. Ngokuphikisana nalokho, izikhungo ezikweletisa imali zakha imigomo efanayo yokunikeza imali mboleko, engalungiswa.
Imibandela yokunikeza imali inenzuzo enkulukunama-MFO kanye nezitolo zezimoto.

Umbuzo 3. Ungayithatha kanjani imali ekuvikelekeni kwendlu enendawo yomhlaba (umhlaba)?

Ukuze uthole imali kalula ngokunikezela ngendlu enendawo njengesibambiso, kubalulekile ukwazi ukuthi yiziphi izidingo ababolekisi abazenzayo kulezo zakhiwo. Ukwakheka kwabo kwehlukile futhi kunqunywa yinkampani ngayinye ngokuzimela. Noma kunjalo, umuntu angahlukanisa imibandela eminingana abanakekelwa yibo bonke ababolekisi.

Isimo 1. Isimo sempahla

Ababolekisi babhekisisa isimo sempahla abayemukelayo njengesibambiso.

Imalimboleko izokwaliwa uma indlu enendawo yomhlaba:

isimo esiphuthumayo;
eyakhiwe ekuqaleni 1975 konyaka;
akukho ukuxhumana endlini;
ukwethulwa kwentuthuko akwenziwa phansi.

Ngaphezu kwalokho, amabhange ezimweni eziningi awazamukeli izindlu zokhuni njengezibambiso. Lokhu kungenxa yokuthi kunzima kakhulu ukuwaqinisekisa.

Kubalulekile ukuqonda ukuthi kuphela lezo zindlu ezemukelwa njengezibambiso, umhlaba ongaphansi kombolekayo ngokwesisekelo sobunikazi. Leli qiniso kumele libhalwe phansi.

Esinye isimo esibalulekile kuphezulu ↑ izinga lezimali... Kunzima ukuthola imali ekuvikelekeni kwendlu ye-elite njengoba kwenzeka ekuphepheni kwendlu ewohlokile. Lokhu kungenxa yezinga eliphansi lokufunwa kwalezi zakhiwo.

Isimo 2. Akukho mingcele ekukhishweni kwempahla

Ubunzima bokuthola imali ekuphepheni kwendlu kungavela uma kunemikhawulo kwifomu ukugoqa... Zingavela ngokuzithandela noma ngokuphoqelelwa ngenxa yezenzo zomthetho noma izivumelwano eziphothuliwe.

Izinhlobo ezivame kakhulu zokuhlanganiswa yilezi:

ukuphathwa kwe-trust;
ukuthathwa kwempahla;
imali ebanjiswayo;
ukuqasha nokuqasha.

Isimo 3. Indawo

Amabhange abhekisisa ngokutholakala kwezinto zezindlu ezamukelwa njengezibambiso.

Lapho kuhlolwa lesi sici, izici ezilandelayo ziyabhekelwa:

udumo lwendawo;
ukutholakala, kanye nekhwalithi yendlela yomgwaqo yemigwaqo yokungena;
indawo ephathelene nezindawo zokuthutha ezibaluleke kakhulu;
ayikho imikhawulo ekutholakaleni unyaka wonke;
ithuba lokuphila ngaphandle kwezimo zezulu.

Isimo 4. Ubunikazi

Indlu ingafungiswa kuphela abanikazi bayo. Indlela elula yokuthola imali ukuthi ngabe indlu ingeyomuntu obolekayo kuphela. Uma kukhona abanye abanikazi, kuzofanele uthumele imvume kwisibambiso esivela kubo ngamunye wabo.

Qaphela! Amabhange amaningi enqaba ukuhlinzeka ngemali ngokuvikeleka kwezindlu abhalise kuzona, kanye nabanikazi bazo abancane.

Ngendlela, obolekayo anganikeza indlu yomuntu wesithathu (isibonelo, izihlobo) njengendlu yokuphepha. Ngokwemvelo, lokhu kungenziwa kuphela ngemvume yabo.

Kunoma yisiphi isimo esinzima sezezimali, ungathola indlela yokuphuma. Kuzoba lula kakhulu ukuxazulula inkinga uma uyinikeza njengesibambiso impahla engamanzi, isibonelo, imoto (PTS auto), ingcebo (indlu noma indlu)... Ukugwema noma yibuphi ubunzima ngenkathi uthola imali, kufanele uzijwayeze ubunzima bezinqubo kusengaphambili.

Ekuphetheni, sikukwazisa ukuthi ubuke ividiyo mayelana nokuthi ungayithathaphi imali njengamanje:

Konke lokho okwethu!

Ithimba lewebhusayithi yeRiсhPro.ru lifisela bonke abafundi inhlalakahle yezezimali. Uma kunesidingo sokuthola imali ngebheyili, vumela kuphela ababolekisi abathembekile abakuvimbe, futhi izinhlelo zabo zinenzuzo enkulu!

Uma unemibuzo noma imibono ngalesi sihloko, bhala kumazwana angezansi. Sizobonga futhi uma wabelana nabangane bakho ngendatshana yokuxhumana nabantu. Kuze kube yisikhathi esilandelayo!

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